With Pay Small, an extended payment plan by American Express, you can choose to break purchases into affordable instalments over 6, 12, 18 or 24 months at 0% interest*. 

Pay Small logo


* If you pay your Card Account in full each month. Terms and Conditions apply.

4 Easy Steps to Pay Small

Step 1:

Inform the on-ground staff that you would like to use Pay Small by American Express for your purchase



Step 2:

Present your American Express Card



Step 3:

Choose your instalment payment plan of 6, 12, 18 or 24 months



Step 4:

That’s it - take your purchase home!






Browse through our merchants offering Pay Small

Special offers and promotions when you use Pay Small*

From 1 Sep to 30 Sep 2018, redeem S$200 worth of Harvey Norman vouchers when you spend a minimum of S$3,000 at Space Furniture with Pay Small, an instalment payment plan by American Express. Redemption is limited to the first 30 Card Members.Find out more

On 29 September and 6 October 2018, get rewarded with S$150 or S$250 worth of Gain City vouchers when you spend S$2,000 or S$3,000 respectively via Pay Small. Terms and Conditions apply. Register your interest here .



Put your OSIM uLove 2 Massage Chair (worth S$6,699) purchase on Pay Small, an instalment payment plan by American Express to enjoy S$1,200 instant savings! Offer is limited to the first 100 Card Members only. Terms and Conditions apply.

* No rewards (including Membership Rewards points, Cashback, KrisFlyer miles and STAR$®) will accrue or be earned in respect of Charges made under Pay Small. Other Terms and Conditions apply.